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Plan Details     Community High School Dist. 155, Crystal Lake IL
Current Status: Active

Fixed Annuity (F)

A fixed annuity is an annuity wherein the issuer (usually an insurance company) guarantees both the interest rate paid on invested dollars and the return of principal. The issuer guarantees that a minimum rate of interest will be paid on the annuity, but the actual rate of interest credited to the annuity is typically higher than the guaranteed rate. All of the premium payments that you make to the issuer will then compound (tax deferred) at least at this guaranteed rate of return, subject to the claims-paying ability of the annuity issuer.
Fixed Index Annuity (FI)

A fixed index annuity is a fixed annuity that is designed to mirror the performance of a stock market index (the Dow Jones or S&P 500, for instance). Fixed index annuities can provide returns that exceed those of traditional annuities, however are generally considered to offer lower returns than direct investment in common stock.
Variable Annuity (VA)

A variable annuity is a type of annuity that has a variety of investment options (called subaccounts) available for your selection. When you purchase a variable annuity, the annuity issuer offers you a choice of investment portfolios into which you can allocate your premiums. The investment choices may include general equity stocks, balanced portfolios, bonds, and other specialty investments, such as international stocks. Unlike a fixed annuity in which the issuer guarantees that a minimum rate of interest will be paid on your investment in the annuity, the issuer of a variable annuity does not guarantee or project any rate of return on the underlying investment portfolios. You, as the purchaser of the annuity, assume all risk on the underlying performance of the investment subaccounts that you select. Your return may be greater than or less than that of a fixed annuity.
Investment Advisory Services (RIA)

Investment advisory services work directly with the participant (either face-to-face or through telephone/internet communication). Investment advisory services will provide an array of services, ranging from general advice on retirement planning to specific counsel and, in some cases direct management of investments on your behalf. Investment advisory services are often obligated to abide by SEC regulations, and may be subject to criminal penalties for providing false or fraudulent counsel.
Mutual Funds (MF)

A mutual fund is an investment company that pools money from many people and invests it in stocks, bonds, or other securities. Each investor owns shares; each share represents a tiny portion of each individual security held by the fund. An investment professional handles the purchase and sale of individual securities in the fund, based either on an index or on his or her professional expertise. Investors may buy shares (or portions) directly from the fund or through brokers, banks, or financial planning or insurance professionals.
American Century Investments® is proud to participate in the Omni Group’s Preferred Provider Program(P3). We specialize in helping K-12 employees with a direct approach to investing. We offer no load mutual funds, easy online enrollment and a dedicated team committed to helping you invest for the retirement you want.

As a privately controlled and independent company, we are empowered to do the right thing for our clients, and our success funds a greater purpose. Through our unique ownership structure, more than 40% of our profits support the Stowers Institute for Medical Research — a biomedical research organization dedicated to improving quality of life by researching and uncovering the causes, treatment, and prevention of gene-based diseases such as cancer.

Learn more at www.americancentury.com/workplace - 800-345-3533
Aspire is a full-service, open-architecture provider of 403(b) and 457 programs offering participants and plans the freedom to work with the investments, money managers and financial advisors of their choosing. Aspire403b.com's Plan Search feature makes it easy to start and complete the entire enrollment process and manage your account. Thousands of investments are available, including low cost mutual funds from hundreds of fund families. Participants can self-select or work directly with their financial advisor to assist in investment decisions. Smart retirement solutions by Aspire.
AXA is one of the nation's leading providers of retirement savings plans, including 403(b) plans for public schools nationwide. What makes AXA unique in the public school marketplace is that its 403(b) TSA funding vehicles, as well as other retirement and protection products, are made available through the Retirement Benefits Group, a specialized division of affiliate AXA Advisors, LLC. Over 1,000 local dedicated financial professionals in the Retirement Benefits Group currently serve 15,000 public schools and over 650,000 employees. For more information about our services visit us at axa.com/myretirementgoal.
Horace Mann understands the challenges educators face – it’s in our DNA. Founded by Educators for Educators® in 1945, Horace Mann is the largest financial services company focused on providing America’s educators and school employees with affordable auto, home and life insurance as well as retirement. We provide retirement products in more than 4,000 public school districts’ 403(b)/457(b) programs. Horace Mann Educators Corporation and its subsidiaries have more than $10 billion in assets and is consistently receive among the highest rankings from all four financial strength rating agencies. We have extensive knowledge of teachers’ state retirement plans – expertise that helps us provide teachers and school employees with a “big picture” view of how all their retirement benefits could work together. For questions, please call 1-800-677-2363.
Lincoln Investment is a broker/dealer and investment advisory firm with more than 45 years' experience. Our mutual fund Custodial platform offers investment choices that include over 65 mutual fund families. Over 2,500 mutual funds are available on two platforms: RetirementSOLUTIONS is Lincoln Investment's proprietary, commission-based platform for consolidating retirement accounts, RetirementSOLUTIONSPREMIER is Lincoln Investment's proprietary, fee-based platform which offers diversified mutual fund investment options, including no-load funds such as Vanguard Funds, and the ability to utilize professional money managers. We offer one-on-one investment counseling to help guide you to a sound financial future.
Founded in 1851, Massachusetts Mutual Life Insurance Company (MassMutual) is a leading mutual life insurance company. MassMutual has a long history of financial strength and strong performance. MassMutual Artistry is our flagship 403(b) annuity product currently featuring no administrative fee, no loan fee and non-rolling surrender charges. Paint your own portrait of retirement with MassMutual Artistry.

Contact us at 800-272-2216
MetLife Resources (MLR) is a division of Metropolitan Life Insurance Company that specializes in providing retirement plan products and other financial products and services to healthcare, educational, governmental and other nonprofit employers and their employees. With more than $36 billion in retirement assets1 under administration encompassing 20,000 employer groups2, MLR, as an industry leader, helps millions of employees plan and save for their retirement every day.

1 LIMRA Not-for-Profit Report, 3rd Qtr. 2013
2 MetLife Payroll Slot Report Data as of 3/31/2013
OppenheimerFunds, Inc. has been helping plan participants achieve their financial goals since 1960, and have been offering 403(b)(7) plans since 1983. We are one of the nation’s largest and most respected asset management firms. Our 403(b) plan offers a flexible, long-term savings solution, solid investment options and investor services and support. All 403(b)(7) participants have access to oppenheimerfunds.com or can call OppenheimerFunds Retirement Plans Services at 800.835.7305 for assistance.

Oppenheimer funds are distributed by OppenheimerFunds Distributor, Inc. RPL0005.192
For more than a century, our blend of financial expertise, shared values and service to members has set us apart. As the nation's largest fraternal benefit society, we're here solely to help others. Every day, we make a difference through the:
  • Financial solutions we offer.
  • Member activities we support.
  • Resources we provide the Lutheran community and nonprofit organizations.
Voya Financial has been helping K-12 school district employees become "retirement ready" for more than 40 years. From local representatives for one-on-one meetings, to a suite of online tools and educational resources, Voya Financial can help you work toward the retirement you deserve. For more information, please call (800) 525-4225.
(F) (FI) (VA) (RIA) (MF)
American Century Services LLC Representative(s)
for Community High School Dist. 155, Crystal Lake IL

1-800-345-3533
Ameriprise Financial Services, Inc. Representative(s)
for Community High School Dist. 155, Crystal Lake IL

1-800-297-2012
Aspire Financial Services Representative(s)
for Community High School Dist. 155, Crystal Lake IL

1-866-634-5873
AXA Equitable Life Insurance Company Representative(s)
for Community High School Dist. 155, Crystal Lake IL

1-800-628-6673
Fidelity Management Trust Co. Representative(s)
for Community High School Dist. 155, Crystal Lake IL

Franklin Templeton Funds Representative(s)
for Community High School Dist. 155, Crystal Lake IL

Global Atlantic Financial Group Representative(s)
for Community High School Dist. 155, Crystal Lake IL

1-800-533-7881
Horace Mann Life Ins. Co. Representative(s)
for Community High School Dist. 155, Crystal Lake IL

1-800-999-1030
Lincoln Investment Planning Representative(s)
for Community High School Dist. 155, Crystal Lake IL

1-800-242-1421 ext. 4500
Mass Mutual VA Representative(s)
for Community High School Dist. 155, Crystal Lake IL

1-800-272-2216
MetLife Representative(s)
for Community High School Dist. 155, Crystal Lake IL

MetLife  
National Life Group (LSW) Representative(s)
for Community High School Dist. 155, Crystal Lake IL

1-800-732-8939
Oppenheimer Shareholder Svcs. Representative(s)
for Community High School Dist. 155, Crystal Lake IL

1-800-835-7305
Putnam Investments Representative(s)
for Community High School Dist. 155, Crystal Lake IL

Thrivent Financial for Lutherans Representative(s)
for Community High School Dist. 155, Crystal Lake IL

1-800-847-4836
Vanguard Fiduciary Trust Co. Representative(s)
for Community High School Dist. 155, Crystal Lake IL

Voya Financial (Reliastar) Representative(s)
for Community High School Dist. 155, Crystal Lake IL

1-855-663-8692 or 1-800-584-6001


For any questions concerning your employers list of participating providers, please contact OMNI at 877-544-6664.


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